Jan. 1, 2014, will find the fat lady singing for my husband and me. That is when smokers will have to "cough up" extra money for their health insurance because of a provision of the Affordable Health Act. I am 60, which means that I will pay $5,000 extra. My husband at 54 will pay more than $4,000 extra each year. Mind you that this is on top of the insurance payments we already make.
